That sounds like a lot could go wrong in the future. 
i dont think so ^^
i have been running freenas for i think maximum a year on bare metal.
since than i have been ruing it inside a proxmox vm (:
you only have to pass a whole controller through so you have no interference from the host regarding drive management.
but my old setup had several ssds and at laset 6 3,5" drives⌠that thing draw at least 100 - 150watts 24/7 
i downgraded it to a smal epyc soc and converted it to baremetal truenas (the first in over 10 years i think) which is now my cold storage.
my main setup has redundant SSDs for Proxmox (diffrent manufactures of the flash dies different controllers even different form factors [was just how they where lying around])I but i am certain the boot ssds wont fail at the same time.
so the only thing which could go wrong is the storage HDD falling apart.
but than i would still have the cold storage backup which has 6 drives with 2 times redundancy (:
maybe if power gets cheaper ill add another HDD as single mirror to the setup.
but that would bring its 24/7 power draw up from ~40w to 44
and i can tell you the power bill drops a lot when you get your server down from ~150 to 40-50w peak (:
ofc i am open to any suggestions of failure scenarios which i might not yet have considered (:
